Travel Insurance Explained for Flu & Other Sickness (2024)

FAQs

How to prove sickness for travel insurance? ›

Filing a Claim for a Covered Illness

Submit all the requested documentation, which may include a Physician Statement Form, statements and records from treating doctors, documentation of refunds received from travel suppliers and more.

Generali travel insurance with Medical coverage can help pay for medical treatment if you get sick with the flu or another illness on your trip.

Cancel For Any Reason. Cancel For Medical Reasons is included in most Trip Cancellation policies, and allows policyholders to cancel their travel plans due to an unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

Get a sick note directly, if you are under medical care.

Submit this to your workplace as proof. You may be treated by a professional who is not a medical doctor but a nurse, physiotherapist, or a mental health therapist. You might be able to ask them for a letter or a copy of your hospital discharge summary as proof.

The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.

Travel insurance usually includes holiday cancellation cover in case your trip is cancelled for reasons beyond your control – illness or the death of a close family member, for example.

“Drink plenty of fluids like water, coconut water, fresh squeezed orange juice or Pedialyte,” says Dr. Struble. If you're craving something warm, chicken noodle soup, or bone or vegetable broth are also good options, and chamomile tea with honey and lemon can help soothe a sore throat.

Covered condition is a medical diagnosis or treatment that is eligible for reimbursem*nt by a patient's insurance plan according to their policy terms.

What is the best travel insurance for cancellation? ›

Our analysis found that AIG, Seven Corners and WorldTrips offer the best “cancel for any reason” (CFAR) travel insurance. A travel insurance policy with CFAR partially reimburses your insured trip costs if you cancel for reasons not listed in the policy.

What are pre-existing medical conditions? A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

Can I get travel insurance with high cholesterol? The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions.

The best travel insurance for pre-existing conditions is the OneTrip Prime Plan from Allianz Global Assistance, which includes abundant coverage for covered emergency medical expenses overseas (up to $50,000).

Their experts will want to weigh up the likelihood that you might make a claim relating to your condition, which they'll have to pay out. And beware, if you don't disclose relevant medical information in your insurance application, your policy could be invalidated in the event of a claim.

Receipts and itemized bills for all expenses. Documentation of any refunds or expense allowances received from your tour operator, travel agency, common carrier, resort, property management company, or other entity. Copy of resort invoice/vacation rental contract or confirmation.

Gather Documentation

You can consider your booking confirmations, itineraries, and proof of payment for the trip. For medical claims, you'll need medical certificates, bills, and receipts. In case of theft, loss, or accidents, file a police report and obtain a copy.